For example, if a covered peril like wind puts a hole in your roof, your insurance company pays for the repairs up to your coverage limit and minus your deductible. Other structures Coverage B protects the other structures on your property. For home insurance, these are usually not attached ...
Home emergency assistance insurance is designed to deal with sudden emergencies and help prevent them escalating into major incidents. These include sudden incidents, such as electrical failure,...
Home’s structure and belongings: Home insurance offers financial protection for the structure of a home, as well as attached and detached structures and any personal belongings in the home in the case of a covered event. Additional living expenses: Homeowners insurance generally covers additional li...
Hazard insurance is not usually sold as a stand-alone policy but is instead included in a comprehensive homeowners policy since it doesn't cover all types of risk, such as liability.4 Typically, hazard insurance only covers your home's structure, roof, and foundation, though some policies exte...
Dwelling coverage is the part of a home insurance policy that covers the structure of your house. Dwelling insurance can help pay for repairs after a fire, windstorm or other covered disaster. You should buy enough dwelling coverage to completely rebuild your home. ...
Open peril home insurance — also called “all peril” or “all risk” coverage — means that your property insurer covers any peril not specifically excluded in your policy. With these policy types, rather than you having to prove something should be covered, an insurance company has to prove...
HOA insurance also called a master insurance policy or a condo master insurance policy is the insurance your homeowners' association maintains for the building your condo is in. This policy helps pay for damage to the building's exterior and common areas, like hallways, courtyards, and more. ...
In a single-use reverse mortgage, borrowers must use these payments for a specific purpose that the lender approves. A single-use reverse mortgage can help pay property taxes, maintenance and upkeep of the home, home insurance premiums, or common payments that fall within the lender’s interest...
Not all home insurance is created equal. When you're trying to determine if water damage is covered by homeowners insurance, you need to know whether you have a named peril policy or an open peril policy. A named peril policy provides insurance coverage only if a specific named danger...
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